The New Zealand dollar is the official currency here but there are Cook Islands coins used also. They are souvenir items outside the Cook Islands because they cannot be exchanged.
There are two major trading banks on Rarotonga and some 24-hour automatic teller machines. Travelers cheques and credit cards are accepted almost everywhere.
All prices quoted within our site are in NZ dollars.


A 15% VAT (value-added tax) is included in the price of most goods and services. All prices quoted include VAT. A departure tax when leaving the Cook Islands is already incorporated into international air tickets.

Tipping is not customary in the Cook Islands, but it’s not frowned upon for exceptional service. Haggling over prices is considered rude.

Banks/Banking Hours

There are limited ATMs and banks on Rarotonga and Aitutaki, and using credit cards is also widely accepted on the nation’s main two islands. Credit cards are accepted at the larger hotels on Aitutaki and at some places on ‘Atiu, but for other islands cash is essential.

Bank of South Pacific provides Cook Islands with a range of overseas banking services, including various personal and business loans, bank accounts and Internet Banking.